2019 Election| Global Debt| Personal, Corporate and Government Debt| July 2019paul young cpa, cga
This presentation is one perspective on Debt. It is not the only view. People are more than welcome to visit other sites like BEA, Stats Canada, OECD, Banks, etc.
Government debt rating is important as the lower the rating the higher premium is for government bonds. Higher premium means higher interest rates.
arifanee.com is world's leading website on the hottest financial news, perspectives and behind the scenes stories. arifanees.com brings you insight and information to inspire and transform your paradigm by enriching your with the best of facts and the vision.
arifanees.com
Information-Inspiration-Transformation
2019 Election| Global Debt| Personal, Corporate and Government Debt| July 2019paul young cpa, cga
This presentation is one perspective on Debt. It is not the only view. People are more than welcome to visit other sites like BEA, Stats Canada, OECD, Banks, etc.
Government debt rating is important as the lower the rating the higher premium is for government bonds. Higher premium means higher interest rates.
arifanee.com is world's leading website on the hottest financial news, perspectives and behind the scenes stories. arifanees.com brings you insight and information to inspire and transform your paradigm by enriching your with the best of facts and the vision.
arifanees.com
Information-Inspiration-Transformation
This presentation discusses the causes of Andhra Pradesh crisis, how it all started and the possible after-effects. It also examines how the Indian MFIs and the government should respond post this crisis. The presentation concludes with reactions from the clients.
Presentation includes Introduction to Microfinance Industry, Business Process, Strategies, Key Challenges, Future Outlook and Special Issues like Urban Microfinance & Rating of Microfinance Institutions
Regulating Credit Default Swaps Preview For Presscatelong
Presentation of Mr. Gary Kopff for the PRMIA Conference on Reforming Markets for Credit Default Swaps & Collateralized Debt Obligations held in Washington, DC. June 10th, 2009.
This presentation discusses the causes of Andhra Pradesh crisis, how it all started and the possible after-effects. It also examines how the Indian MFIs and the government should respond post this crisis. The presentation concludes with reactions from the clients.
Presentation includes Introduction to Microfinance Industry, Business Process, Strategies, Key Challenges, Future Outlook and Special Issues like Urban Microfinance & Rating of Microfinance Institutions
Regulating Credit Default Swaps Preview For Presscatelong
Presentation of Mr. Gary Kopff for the PRMIA Conference on Reforming Markets for Credit Default Swaps & Collateralized Debt Obligations held in Washington, DC. June 10th, 2009.
It is important to consider the emerging risks surrounding commercial lending and commercial real estate lending. What stage are we in of this current economic cycle? The answer is uncertain, but it is important to consider the emerging risks surrounding commercial lending and CRE lending.
Join us for the fourth quarter economic outlook webinar with Dr. Joe Webb, sponsored by MindfireInc. With an increasingly confused economic environment, Dr. Webb has the right prescription for navigating these rocky waters. Topics to be discussed include:
* The latest economy fun & games going into the election, and the first look at 2009's economy
* The print economy as the industry prepares for Graph Expo
* The latest survey of print businesses and their planned end-of-year actions
* Technology trends to watch for in 2009 and 2010
* Fall into Fall with Dr. Joe’s reading list
How Could Debt Destroy Your Investment Portfolio?InvestingTips
As the coronavirus crisis drives the world economy into recession or worse, too many corporations have too much debt and will not recover. How could debt destroy your investment portfolio?
RBAP Executive Director Vicente Mendoza shares how the MABS Program will continue and expand with RBAP and RBRDFI during the 2012 National Roundtable Conference on June 8.
USING NEW CHANNELS TO EXPAND MICROFINANCE SEVICESMABSIV
Mr. Melvin Yu of Cantilan Bank shares their technological development to illustrate how far banking technology has come – and what its implications have been during the 2012 RBAP-MABS National Roundtable Conference on June 8.
The SMART Islands Activation Program Empowerment through Mobile BankingMABSIV
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Preliminary Evaluation of Consumer Education Tools for Mobile Phone Banking: ...MABSIV
Microfinance Research Officer Craig Tower presents the preliminary results of the outcomes assessment of the Financial Education for Branchless Banking Project during the 2012 RBAP-MABS National Roundtable Conference on June 8.
MOBILE COMMERCE INNOVATIONS: NEW IDEAS & RETURNSMABSIV
GXI President Paolo Baltao announces the next generation GCASH mobile money services, which are expected to provide new features as well as create a more seamless experience for rural bank clients and GCASH users during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Lessons in Microinsurance Business ExpansionMABSIV
Mr. Gilbert Soliven of Progressive Bank shares how to effectively market and sell microinsurance products during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Bangko Kabayan President Francis Ganzon shares how to successfully choose a microinsurance provider during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Managing Director Zaldy W. Pacificar of Katipunan Bank shares the bank experience on providing microinsurance products and services to their clients during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Beyond SMS: Using Social Networks to Reach a Broader MarketMABSIV
MABS Chief of Party John V. Owens shares how banks could utilize social networks to broaden their microfinance market during the 2012 RBAP-MABS Nationa Roundtable Conference on June 8.
The Microfinance Data Sharing System (MiDAS)MABSIV
Ms. Patricia Calilong, BOT of the Rafael B. Buenaventura Foundation discusses the updates on the Microfinance Data Sharing System (MiDAS) during the 2012 RBAP-MABS National Roundtable Conference on June 8.
Using the Credit Bureau: Experience from the FieldMABSIV
Credit Bureau Manager Mr. Manuel Batallones shares how credit bureau helps the banks in mitigating the risk of getting bororwers with negative credit history during the 2012 RBAP-MABS National Roundtable Conference on June 8.
MABS Deputy Chief of Party, Ms. Meliza Agabin shares how banks should use the MABS performance monthly reports to track the bank's performance and make informed decision during the 2012 RBAP-MABS Nationa Roundtable Conference on June 8.
Results of the Study on Multiple Lending and the Challenges Faced by BanksMABSIV
Mr. Ronald Chua of the Asian Institute of Managment shares the findings of the Study on Multiple Lending and the Challenges Faced by Banks during the 2012 RBAP-MABS National Roundtable Conference on June 8.
“SCORECARD” Incentive Remuneration System for MicrofinanceMABSIV
Ms. Vivian Lim of First Valley Bank shares their bank experience on using the EAGLE Scorecard to optimize the bank's microfinance operations during the 2012 RBAP-MABS National Roundtable Conference on June 7.
Measuring Performance through the EAGLE Score CardMABSIV
MABS Microfinance Specialist, Ms. Jennifer Sabianan shares how to use the EAGLE Scorecard to measure the bank's microfinance performance during the 2012 RBAP-MABS National Roundtable Conference on June 7.
Price Transparency and Microfinance Related RegulationsMABSIV
Mr. Gerardo Butardo of Bangko Sentral ng PIlipinas (BSP) discusses latest updates on price transparency and microfinance related regulations by the BSP during the 2012 RBAP-MABS National Roundtable Conference on June 7.
Ms. Elizabeth Larson, the Regional Manager for Asia of Microfinance Information eXchange shares during the RBAP-MABS National Roundtable Conference how banks could use the MIX Market Report and updates on its developments.
An introduction to the cryptocurrency investment platform Binance Savings.Any kyc Account
Learn how to use Binance Savings to expand your bitcoin holdings. Discover how to maximize your earnings on one of the most reliable cryptocurrency exchange platforms, as well as how to earn interest on your cryptocurrency holdings and the various savings choices available.
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
Company Valuation webinar series - Tuesday, 4 June 2024FelixPerez547899
This session provided an update as to the latest valuation data in the UK and then delved into a discussion on the upcoming election and the impacts on valuation. We finished, as always with a Q&A
Event Report - SAP Sapphire 2024 Orlando - lots of innovation and old challengesHolger Mueller
Holger Mueller of Constellation Research shares his key takeaways from SAP's Sapphire confernece, held in Orlando, June 3rd till 5th 2024, in the Orange Convention Center.
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
Building Your Employer Brand with Social MediaLuanWise
Presented at The Global HR Summit, 6th June 2024
In this keynote, Luan Wise will provide invaluable insights to elevate your employer brand on social media platforms including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok. You'll learn how compelling content can authentically showcase your company culture, values, and employee experiences to support your talent acquisition and retention objectives. Additionally, you'll understand the power of employee advocacy to amplify reach and engagement – helping to position your organization as an employer of choice in today's competitive talent landscape.
In the Adani-Hindenburg case, what is SEBI investigating.pptxAdani case
Adani SEBI investigation revealed that the latter had sought information from five foreign jurisdictions concerning the holdings of the firm’s foreign portfolio investors (FPIs) in relation to the alleged violations of the MPS Regulations. Nevertheless, the economic interest of the twelve FPIs based in tax haven jurisdictions still needs to be determined. The Adani Group firms classed these FPIs as public shareholders. According to Hindenburg, FPIs were used to get around regulatory standards.
2. What is the global financial crisis?
• The global financial crisis is an ongoing issue
which put a number of countries into a
recession and the major stock indices into a
downward spiral.
• The crisis came to the forefront of the
business world and media in September 2008
with the failure and merging of a number of
American financial companies with the sub‐
prime mortgage crisis.
4. According to Kate McKee, CGAP official and former head of
Microenterprise development at USAID:
“It’s in -mes of crisis that we see what
microfinance is really made of. During past
emergencies, microfinance has held fast. And
even as the current global banking mess has
gone from bad to worse, recent headlines have
global and industry leaders asser-ng that
microfinance can and should be able to
withstand it.”
5. How does Can-lan Bank view the
financial crisis?
• It is a Challenge and growing concern as
unemployment could increase, and deposits and
loans might decline
• But also, it’s an opportunity to strengthen the bank
and become be1er at what we do through:
– Staying true to our mission and vision
– Be1er strategic planning and expanding in mul-ple ways
– Innova-on
– Be1er a1en-on to our human resources
– Be1er customer care
6. Can-lan Bank’s Market Profile
• Caraga Region is one of the poorest regions;
many families are engaged in micro and small
enterprises as a major income source
• An agricultural and fishery‐based economy
• Export‐oriented mining industry has become
important in recent years
• Overseas Filipinos, 17K, send money regularly to
their families thus helping fuel the economy
7. Possible Effects to Local Economy and
Microentrepreneurs
• We an-cipated there may be reduced family
income and a reduc-on in remi1ances and that:
– Income from microenterprise will cover much of the
family’s needs
– More sales on credit due to reduced liquidity of
households
– Possible reduc-on in sales
– Higher spending to meet basic needs may affect
client’s capacity to meet obliga-ons and save
• In reality, remi1ances are up this quarter and there
are no reports of OFWs coming home in our region.
8. Possible Challenges & Responses of
CBI:
CHALLENGES RESPONSES
Delinquencies may Tighter monitoring
rise if risks are not and control of
properly managed delinquencies
Reduced deposit Promote and encourage
balance due to heavier greater savings
withdrawals and fewer mobiliza-on to help
new accounts clients weather the
crisis
9. Effects on the MF Market Environment
• Demand for loans may increase but the bank
will have to be more careful during the
screening process.
• Increased compe--on by other microfinance
players may lead to over‐indebitedness.
Therefore, we need to guard against clients
with mul-ple loans, especially at this -me
(credit bureau may help).
11. • ank wide portfolio declined due to
B • fter Sept. 2008, deposits managed
A
fewer qualified applicants, tightened to increase. The episodes of decline
loan policies for clean loans, P10 M were due to the shutdown of mining
loans were written off in Dec.’08. companies.
• ut loan volume has been rising since.
B • eposit levels have stayed much
D
higher than they were prior to the
onset of the global financial crisis.
12. After cleaning up our loan portfolio in December, the number of
loan accounts bank wide managed to rise in the first quarter of
2009.
13. MICROFINANCE PORTFOLIO
• he decline in MF loans is not directly related to the global financial crisis;
T
rather it is due to internal challenges that we’ve started to address.
• he bank tightened loan screening for both new and repeat clients to
T
improve portfolio quality.
• ortfolio growth comes mostly from repeat borrowers and, to a lesser
P
extent, from new borrowers.
14. • he dips in deposits are due to withdrawals to pay for loans and the
T
need for additional cash due to inclement weather and/or seasonal
farm production needs. Notwithstanding, micro deposits are up since a
low in August 2008 .
15. The Bank’s Ini-a-ves:
• To update the strategic and opera-onal plans
guided by the bank’s mission and vision
• Expansion – ver-cal & horizontal – based on
market research and MABS Approach
• To align the budget to improve staff capability
and adopt available technologies to improve
cost‐efficiency and bank expansion
• Pro‐ac-ve stance across loan products to be1er
manage delinquency
18. Delinquency Management
• Proac-ve approach in microfinance has
been adopted for regular loans
• Contractual savings product is integrated
in all loan products as added service to
borrowers, as a source of low cost fund,
and to help manage credit risk
19. In Conclusion
• The global financial crisis has had li1le
nega-ve impact on the bank’s opera-ons
• The crisis offers an opportunity to improve our
fundamentals, what we do and how we do
them so that we are prepared for any crisis,
domes-c or global!